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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $179,806 | $174,379+3.1% | $152,093+18.2% | $138,895+29.5% |
| Participation rate | 30.0% | 81.6%-51.6pp | 77.8%-47.8pp | 79.9%-49.9pp |
| Annual return | 17.15% | 74.86%-57.7pp | 66.36%-49.2pp | 145.39%-128.2pp |
| Employer contribution / active EE | $3,194 | $4,652-31.3% | $4,175-23.5% | $4,194-23.8% |
| Participant deferral / active EE | $5,147 | $6,159-16.4% | $5,451-5.6% | $6,396-19.5% |
| Admin fee / account holder | $7,658 | $16,880-54.6% | $14,497-47.2% | $12,562-39.0% |